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AGBK

NEUTRAL
$7.45 Live
AGI Inc · NYSE
Target $16.97 (+127.8%)
$6.46 52W Range $12.21

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 24, 2026
Market cap
$1.19B
P/E
5.78
ROE
36.4%
Profit margin
26.7%
Debt/Equity
4.71
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
AGBK presents a stark contradiction between fundamental valuation and market performance. While the Piotroski F-Score of 5/9 indicates stable financial health and the P/E (5.78) and PEG (0.18) ratios suggest significant undervaluation, the stock is in a severe technical downtrend with a -30.7% return across all major timeframes. The high Price-to-Book ratio (9.64) is an anomaly for a regional bank and suggests the market is skeptical of the book value or expects further equity erosion. Despite a 'Strong Buy' analyst consensus, the lack of growth and bearish price action warrant a neutral stance.

Key Strengths

Exceptionally low PEG ratio (0.18) suggesting growth is undervalued
Strong Return on Equity (ROE) of 36.38%
Low P/E ratio (5.78) compared to sector average
Stable Piotroski F-Score (5/9)
Strong analyst support with a target price of $16.97

Key Risks

Severe bearish technical trend (0/100 score)
Negative YoY Revenue (-11%) and Earnings (-8%) growth
Alarmingly high Price-to-Book ratio (9.64) for a regional bank
High Debt/Equity ratio (4.71) relative to sector average (1.49)
Consistent long-term price depreciation (-30.7% over 1Y, 3Y, and 5Y)
AI Fair Value Estimate
Based on comprehensive analysis
$6.88
-7.7% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
36
Weak
Value
70
Future
35
Past
20
Health
55
Dividend
0
AI Verdict
Value Trap Risk
Key drivers: Extreme P/E and PEG discount, Persistent negative price momentum, High P/B ratio anomaly, Negative YoY growth
Confidence
85%
Value
70/100

Trades at a deep discount to earnings but a massive premium to book value.

Positives
  • P/E of 5.78 is very low
  • PEG of 0.18 is highly attractive
Watchpoints
  • P/B of 9.64 is excessive for the industry
  • Current price is above Graham Number ($4.74)
Future
35/100

Short-term quarterly recovery is offset by negative annual growth trends.

Positives
  • Q/Q earnings growth of 10.10%
Watchpoints
  • YoY Revenue growth is -11%
  • YoY Earnings growth is -8%
Past
20/100

Long-term price performance is consistently bearish.

Positives
No standout positives identified.
Watchpoints
  • Consistent -30.7% return across 1Y, 3Y, and 5Y periods
Health
55/100

Financial health is stable but leverage is high.

Positives
  • Piotroski F-Score of 5/9 (Stable)
  • Current ratio of 1.57 indicates adequate liquidity
Watchpoints
  • Debt/Equity of 4.71 is significantly higher than peer average
Dividend
0/100

No income generation for shareholders.

Positives
No standout positives identified.
Watchpoints
  • No dividend yield
  • 0% payout ratio

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$7.45
Analyst Target
$16.97
Upside/Downside
+127.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for AGBK and closest competitors.

Updated 2026-04-23
AGB
AGI Inc
Primary
5Y
-30.7%
3Y
-30.7%
1Y
-30.7%
6M
-30.7%
1M
-9.5%
1W
+2.3%
FMB
First Mid Bancshares, Inc.
Peer
5Y
+14.0%
3Y
+77.1%
1Y
+37.0%
6M
+22.6%
1M
+9.3%
1W
+5.5%
PFB
Preferred Bank
Peer
5Y
+71.6%
3Y
+104.9%
1Y
+19.6%
6M
+5.1%
1M
+6.6%
1W
-0.9%
PEB
Peoples Bancorp Inc.
Peer
5Y
+32.9%
3Y
+61.6%
1Y
+33.3%
6M
+24.4%
1M
+10.5%
1W
+1.8%
TRU
Trupanion, Inc.
Peer
5Y
-64.3%
3Y
-13.5%
1Y
-15.1%
6M
-34.4%
1M
+10.2%
1W
+14.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
5.78
Forward P/E
3.65
PEG Ratio
0.18
P/B Ratio
9.64
P/S Ratio
0.31
EV/Revenue
4.58
EV/EBITDA
N/A
Market Cap
$1.19B

Profitability

Profit margins and return metrics

Profit Margin 26.71%
Operating Margin 26.75%
Gross Margin 72.1%
ROE 36.38%
ROA 2.71%

Growth

Revenue and earnings growth rates

Revenue Growth -11.0%
Earnings Growth -8.0%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +10.1%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
4.71
High debt
Current Ratio
1.57
Good
Quick Ratio
1.52
Excellent
Cash/Share
$4.67

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-05
$N/A

Financial Services Sector Comparison

Comparing AGBK against 612 companies in the Financial Services sector (113 bullish, 251 neutral, 248 bearish)
P/E Ratio
5.78
This Stock
vs
40.43
Sector Avg
-85.7% (Discount)
Return on Equity (ROE)
36.38%
This Stock
vs
-1.21%
Sector Avg
-3099.7% (Below Avg)
Profit Margin
26.71%
This Stock
vs
49.39%
Sector Avg
-45.9% (Weaker)
Debt to Equity
4.71
This Stock
vs
1.5
Sector Avg
+214.2% (Higher)
Revenue Growth
-11.0%
This Stock
vs
38.97%
Sector Avg
-128.2% (Slower)
Current Ratio
1.57
This Stock
vs
3.6
Sector Avg
-56.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
10 analysts
Itau BBA
2026-03-09
init
Outperform
Oppenheimer
2026-03-09
init
Outperform
Citigroup
2026-03-09
init
Buy
Susquehanna
2026-03-09
init
Positive
Morgan Stanley
2026-03-09
init
Overweight

Past News Coverage

Recent headlines mentioning AGBK from our newsroom.

Newest → oldest
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